Search found 223 matches

Return to advanced search

Identity Fraud Help

So I got a call from a major retailer's credit card division asking me if submitted an application for a new credit card. I didn't believe who they said they were so called back with the number on their website. The call was valid and they told me someone in another state had used my SSN and address...
by Polar_Ice
Thu Oct 23, 2014 11:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Identity Fraud Help
Replies: 1
Views: 187

International Move / Insurance ?

Anyone moved internationally and purchased insurance separately (not through the movers) to insure all your belongs? Any advice on a company that provides insurance or a international moving company would be appreciated.
by Polar_Ice
Mon Dec 16, 2013 2:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: International Move / Insurance ?
Replies: 0
Views: 89

Re: Want to have kids, scared of the financial consequences

Have you thought about hiring a live in au pair? http://culturalcareaupair.com/what-is-au-pair-childcare/about-our-program/ For us it was a great option but my wife choose to stay home and leave a management job at a S&P 500 company. After you have a kid your perspective changes, and this can ch...
by Polar_Ice
Fri Oct 25, 2013 12:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Want to have kids, scared of the financial consequences
Replies: 95
Views: 6282

Re: Short Sell with HELOC trouble

Just curious if he had a change in employment status. If not, why didn't he continue paying the mortgage? If the payments were too high, then he couldn't afford it to begin with. It amazes me how the banks get blamed when so often the consumer was in over his head from the get go. In any event, sou...
by Polar_Ice
Tue Oct 22, 2013 10:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Short Sell with HELOC trouble
Replies: 7
Views: 491

Re: Short Sell with HELOC trouble

Did he have minimum payments? Did the short sale agreement require him to continue making payments until the closing? Did he breach his agreement? He ... stopped paying it. Have you read the agreement? They stopping billing him after the short sell and never contacted him for over two years to coll...
by Polar_Ice
Tue Oct 22, 2013 10:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Short Sell with HELOC trouble
Replies: 7
Views: 491

Re: Short Sell with HELOC trouble

Now they have turned it over to their legal team and want to collect the ~50k. Debt collectors that buy junk debt often claim to be lawyers so he should be sure to know who he is really dealing with. Gogin to a lawer for something this size is a good choice. He got some summoned to court. It is a l...
by Polar_Ice
Mon Oct 21, 2013 5:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Short Sell with HELOC trouble
Replies: 7
Views: 491

Short Sell with HELOC trouble

A friend of mine did a short sell on his house in April of 2011. He is in California and purchased the house with a the 80/10/10 with a HELOC. He refinanced the HELOC early on and took out additional money to do some landscaping but that was the only money used in the HELOC. The value dropped signif...
by Polar_Ice
Mon Oct 21, 2013 5:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Short Sell with HELOC trouble
Replies: 7
Views: 491

Real Estate Agent Commission /SF Bay Area / Going Rate

I am looking to put my place on the market and without calling a lot of agents was wondering what the going rate is in the area. I know the supply is really low now and have heard 2.5% buyer and 1.5% seller is about the going rate but would like to hear from others in the area.
by Polar_Ice
Thu Oct 10, 2013 2:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Real Estate Agent Commission /SF Bay Area / Going Rate
Replies: 5
Views: 1072

Re: Son's first car

Volvo 240DL wagon safe built like a tank reliable inexpensive That just might qualify as one of the least sexy automobiles ever. :annoyed Well done! :happy Good point. This could be positive for the dating life. :oops: Just go with the 240 DL sedan and call it good http://www.parts-specs.com/photos...
by Polar_Ice
Wed Oct 09, 2013 12:16 pm
 
Forum: Personal Consumer Issues
Topic: Son's first car
Replies: 50
Views: 4021

Re: Son's first car

Volvo 240DL wagon

safe
built like a tank
reliable
inexpensive
by Polar_Ice
Tue Oct 08, 2013 12:34 pm
 
Forum: Personal Consumer Issues
Topic: Son's first car
Replies: 50
Views: 4021

BMW Shop/Mechanic in Washington D.C. Area?

Can anyone recommend a honest BMW or import auto repair shop in the Washington D.C. area? Need a shop I can count on that is more reasonable then the dealerships.
by Polar_Ice
Tue Oct 08, 2013 12:11 pm
 
Forum: Personal Consumer Issues
Topic: BMW Shop/Mechanic in Washington D.C. Area?
Replies: 5
Views: 674

Re: Car advice

I would keep your car and continue to drive it -that is the cheapest too. You have not given a convincing argument that something is wrong with your current car. Do you have to add oil between oil changes - how much? If you don't do any maintenance yourself, the key is to find a shop you trust and c...
by Polar_Ice
Thu Oct 03, 2013 10:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Car advice
Replies: 16
Views: 1199

Re: Tesla S

I see them on the road daily and admit it is a very nice looking car. Just don't buy one thinking you are helping the environment instead of driving a SUV, buy one for the performance, no visits to the pump, and the tax credits. :happy
by Polar_Ice
Fri Aug 09, 2013 4:31 pm
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 556
Views: 63392

Re: Car Worth Repairing?

Looks like there might be a known issue with the transmissions. http://www.carcomplaints.com/Volkswagen/Golf/2002/transmission/transmission_failure.shtml It could be a problem with a bad design which getting it rebuilt or buying a new one (if VW has not addressed the issue) could only be a short-ter...
by Polar_Ice
Wed Aug 07, 2013 12:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Car Worth Repairing?
Replies: 20
Views: 1639

Re: Car Worth Repairing?

Auto or manual? This a transmission shop or a dealer that is giving you a quote? Have you done the timing belt (if it has one) and water pump? If the engine oil has been changed regularly, it is unlikely the engine will go any time to soon. I would pay a little more and get a new one through VW. Cal...
by Polar_Ice
Tue Aug 06, 2013 12:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car Worth Repairing?
Replies: 20
Views: 1639

Re: Subaru VIP program

Costco & USAA both have car buying services. You can select options and see prices from their websites. I would start there if I was going to buy a new car and then email dealerships. Once you get a good offer then email the other ones and see if they can beat it. https://www.truecar.com/ Trueca...
by Polar_Ice
Tue Aug 06, 2013 10:43 am
 
Forum: Personal Consumer Issues
Topic: Subaru VIP program
Replies: 21
Views: 5756

Re: Pay keeping up with inflation for your job?

So what do you think is acceptable for raises/pay vs. inflation? Acceptable is kind of a vague word. Do you mean acceptable is "good enough for me to not quit and go work elsewhere" or simply "fair"? Good enough depends on you. Fair depends on whether or not the value of one's w...
by Polar_Ice
Wed Jul 17, 2013 2:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay keeping up with inflation for your job?
Replies: 52
Views: 4981

Pay keeping up with inflation for your job?

I have worked for a government contractor for ~10 years and was curious to see how my pay has kept up with inflation. When I compared my pay now to when I first started and checked inflation during that same period, I am barely keeping up with inflation. If you factor in total compensation, I am 7-8...
by Polar_Ice
Tue Jul 16, 2013 11:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay keeping up with inflation for your job?
Replies: 52
Views: 4981

Re: Frontline--The Retirement Gamble

Another opinion on the episode: http://vanguardblog.com/2013/04/29/the-401k-debate/ The film started with two misconceptions. The first is that most Americans aren’t prepared for retirement. That’s an over-exaggeration (see my previous post on this issue). Yes, it’s great TV to profile those who are...
by Polar_Ice
Mon Apr 29, 2013 5:55 pm
 
Forum: Investing - Theory, News & General
Topic: Frontline--The Retirement Gamble
Replies: 318
Views: 35610

Re: Frontline--The Retirement Gamble

Allan Roth's review http://www.cbsnews.com/8301-505123_162-57581204/retirement-gamble-a-critical-review/?utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+AllanRoth+%28CBS+News+-+Allan+Roth+%29&utm_content=Google+Reader I do need to point out, Frontline, that you neglected to in...
by Polar_Ice
Fri Apr 26, 2013 3:11 pm
 
Forum: Investing - Theory, News & General
Topic: Frontline--The Retirement Gamble
Replies: 318
Views: 35610

Re: Foes List Option? User Control Panel

I am not complaining or criticizing I was just giving an example and made no opinions by just stating the facts. I am just trying to improve this already great forum and thought others might benefit from this option too.
by Polar_Ice
Sun Mar 17, 2013 1:18 am
 
Forum: Forum Issues and Administration
Topic: Foes List Option? User Control Panel
Replies: 14
Views: 1942

Re: Foes List Option? User Control Panel

I find this forum to be great with very respectful users but would be nice to block post by certain user that I don't care to never read.

Like this frequent poster:

viewtopic.php?f=11&t=112760
by Polar_Ice
Fri Mar 15, 2013 11:54 pm
 
Forum: Forum Issues and Administration
Topic: Foes List Option? User Control Panel
Replies: 14
Views: 1942

Foes List Option? User Control Panel

I noticed in the user control panel under the Friends and Foes tab the Foes list is not active. In the FAQ it says users can be added to the Foes list so all post will not be visible by that user. Can this option be turned on or is there another way to hide certain user's post?

Thanks
by Polar_Ice
Fri Mar 15, 2013 10:29 am
 
Forum: Forum Issues and Administration
Topic: Foes List Option? User Control Panel
Replies: 14
Views: 1942

Re: What Type Of Wallet Do You Prefer?

Does the Manage Foes list not work in the user control panel? I went to add Munchkin Man to the list and I only see Manage Friends. I like the clips or pockets since I don't like magnets close to that "area". I was looking at this one recently: http://www.amazon.com/Carhartt-Front-Pocket-W...
by Polar_Ice
Thu Mar 14, 2013 2:37 pm
 
Forum: Personal Consumer Issues
Topic: What Type Of Wallet?
Replies: 90
Views: 8866

Re: New Job = New 401k options -- Any Advice?

Who is your 401k provider? Principal?
by Polar_Ice
Thu Feb 28, 2013 6:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Job = New 401k options -- Any Advice?
Replies: 12
Views: 962

Re: How Can I Tell If My Dentist is Good One?

A dentist that has been a dentist in the military is a good sign. They get a lot of practice early on in the military over a wide range of issues. Stay away from the dentists that focus their practice towards cosmetic dentistry. Find a good family dentist that doesn't sounds like a salesman pushing ...
by Polar_Ice
Thu Jan 31, 2013 3:36 pm
 
Forum: Personal Consumer Issues
Topic: How Can I Tell If My Dentist is Good One?
Replies: 133
Views: 10514

Re: What kind of car are you driving?

I'm guessing by "injuries" you mean they were unrelated to stick-shifting but were aggravated by it. I used to love stick shifts until I broke a toe (playing beach volleyball) and depressing the clutch was very painful. I finally borrowed a friend's car until the toe healed. I still hung ...
by Polar_Ice
Mon Jan 28, 2013 2:01 pm
 
Forum: Personal Consumer Issues
Topic: What kind of car are you driving?
Replies: 278
Views: 21628

Re: Vacation vs Savings Dilemma

Vacation... Since you question this enough to open this thread you must have already asked yourself the question will I regret it if I don't go on the vacation.

If you ever can take a long break from work, I would do this:

http://www.wwoof.org/

:sharebeer
by Polar_Ice
Wed Jan 23, 2013 12:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vacation vs Savings Dilemma
Replies: 34
Views: 3540

Re: Home voip options

German Expat wrote:
Frugal Al wrote:
hoot929 wrote:(google voice only ports from a mobile number, so you have to get your landline first to a mobile number, I used a t-mobile prepaid card that I bought for 1$)


Do you just buy cards ever couple of months to maintain a balance so the number stays up?
by Polar_Ice
Tue Jan 22, 2013 5:29 pm
 
Forum: Personal Consumer Issues
Topic: Home voip options
Replies: 34
Views: 2620

Re: Help in convincing son the Bogle way of investing

Investing books that I would recommend: http://www.amazon.com/Power-Passive-Investing-More-Wealth/dp/0470592206 http://www.amazon.com/Bogleheads-Guide-Investing-Taylor-Larimore/dp/0470067365/ref=tmm_pap_title_0 I would give him this book after you read it and forget about giving any advise on invest...
by Polar_Ice
Tue Jan 22, 2013 4:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help in convincing son the Bogle way of investing
Replies: 27
Views: 2359

Re: Your opinion on this housing situ

I wondered what my 5/1 ARM was going to do after the 5 years too 4 years ago. I found out that is was tied to the WSJ prime rate so it went down significantly and has gone down every year. There is no point to refinance now since I am going to sell soon and my rate is 2.85%.
by Polar_Ice
Tue Jan 22, 2013 3:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your opinion on this housing situ
Replies: 16
Views: 1633

Re: Landlord dilema

A lot of good advice to help me think through it all. I will not hesitate to get the HOA involved if the neighbor does not resolve it in the next week.
by Polar_Ice
Fri Jan 18, 2013 6:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Landlord dilema
Replies: 33
Views: 2629

Re: DSL vs Cable

How do you test your latency?
by Polar_Ice
Wed Jan 16, 2013 3:51 pm
 
Forum: Personal Consumer Issues
Topic: DSL vs Cable
Replies: 37
Views: 2613

Re: Picking an online bank..

The change to capital one savings rate is that they cut ties with Costco which I opened my account under a few years ago. So now the added benefit that was there with the Costco deal is gone. Seems like there are some banks that offer teaser rates to get money and there are some that just consistent...
by Polar_Ice
Wed Jan 16, 2013 1:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Picking an online bank..
Replies: 31
Views: 3001

Re: Landlord dilema

If you thought these people were honest enough to let move in to your rental - I would take them at their word that the water heater is noisy and keeps them awake. In my mind, it doesn't make sense to rent to someone (implying you assessed them as honest and worthy renters) and then express doubt a...
by Polar_Ice
Wed Jan 16, 2013 1:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Landlord dilema
Replies: 33
Views: 2629

Re: Landlord dilema

Thanks for all the helpful advise! The 6 month lease was done by a realtor and is very thorough. The tenants can get out of the lease but they have to pay the lease until a new tenant moves in and also the cost and fees to list the property. The tenants said if the neighbor is not going to fix the n...
by Polar_Ice
Wed Jan 16, 2013 12:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Landlord dilema
Replies: 33
Views: 2629

Landlord dilema

I am renting out a condo and the new tenants have been there a month. This is a condo in a HOA so there are common walls. The neighbors hot water heater has mineral buildup and makes popping sounds which is disturbing the tenants. I contacted the neighbors since I know them since I lived there befor...
by Polar_Ice
Wed Jan 16, 2013 12:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Landlord dilema
Replies: 33
Views: 2629

Re: DSL vs Cable

U-verse is over copper but additional hardware is required that is why you have to check your address. They said my address was not available but I looked up some around me and it said they were so called them and after some pushing they made it happen. Comcast has the fastest speed but most people ...
by Polar_Ice
Tue Jan 15, 2013 7:29 pm
 
Forum: Personal Consumer Issues
Topic: DSL vs Cable
Replies: 37
Views: 2613

Re: What's your process for reconciling checking transaction

I have not entered a receipt in 4-5 yrs. I download every transaction straight into Quicken or Moneydance. Most banks allow Quicken and other programs to download transactions or you can download a file and import that.
by Polar_Ice
Tue Jan 15, 2013 3:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: What's your process for reconciling checking transactions?
Replies: 57
Views: 2928

Re: Picking an online bank..

I agree with you about the changes to Capital One. I really like USAA for checking but their rates are low. A friend recommended Alliant to me and they have great rates and a lot of really good features for a checking. Also their rates are very competitive and they offer online deposits. http://www....
by Polar_Ice
Tue Jan 15, 2013 3:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Picking an online bank..
Replies: 31
Views: 3001

Re: DSL vs Cable

Did you check the address for u-verse? I have found u-verse (12Mbs) to be cheaper than comcast and I am not far from Walnut Creek.

http://www.att.com/u-verse/availability ... ckgOLrmpZ6

Speeds of u-verse and price:

http://www.att.com/u-verse/explore/inte ... m97hyljXuQ
by Polar_Ice
Tue Jan 15, 2013 3:09 pm
 
Forum: Personal Consumer Issues
Topic: DSL vs Cable
Replies: 37
Views: 2613

Re: AAPL

I just started following it more the last couple of years after buying some with a 401k I rolled over awhile back. I have no plans to sell it anytime soon.
by Polar_Ice
Tue Jan 15, 2013 3:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: AAPL
Replies: 189
Views: 41103

Re: First Car Purchase...$7K-$9K

Based on what I have read. I would recommend a Volvo 850. Find a 96-97 that has has a timing belt done and around 150K. Also look for one sold by an individual that has owned it a long time and has records. I wouldn't spend 7-9K on a car for the amount of driving that you do. A good older car can be...
by Polar_Ice
Fri Jan 11, 2013 7:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: First Car Purchase...$7K-$9K
Replies: 45
Views: 3281

Re: I have a chip on my shoulder, but not in my card!

USAA requires you to have a trip planned before requesting one. Also they said you will have to register your trip online or it will not work. They need to change the policy of having to register your trip for it work. It is even more secure than the standard USAA MC with a PIN and you don't have t...
by Polar_Ice
Thu Jan 10, 2013 3:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: I have a chip on my shoulder, but not in my card!
Replies: 113
Views: 12421

Re: Dropbox as Backup

It is good to backup to a extra hard drive you keep in the the house and then to another spot online or keep another HD at another location.

Check out

www.crashplan.com
by Polar_Ice
Mon Jan 07, 2013 3:34 pm
 
Forum: Personal Consumer Issues
Topic: Dropbox as Backup
Replies: 19
Views: 1884

Re: I have a chip on my shoulder, but not in my card!

USAA requires you to have a trip planned before requesting one. Also they said you will have to register your trip online or it will not work. They need to change the policy of having to register your trip for it work. It is even more secure than the standard USAA MC with a PIN and you don't have to...
by Polar_Ice
Mon Jan 07, 2013 2:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: I have a chip on my shoulder, but not in my card!
Replies: 113
Views: 12421

Re: For those of you who have kept your cars for a long time

Most modern cars can go a lot longer than people care to drive them. Take care of it and add towing to your auto insurance and I would not hesitate to drive it over 200K. It rather drive an older car that is comfortable and save the money for traveling among other things.
by Polar_Ice
Mon Jan 07, 2013 2:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: For those of you who have kept your cars for a long time...
Replies: 95
Views: 5771
Next

Return to advanced search